Pre-settlement funding in Texas
Your case takes time. Your bills don't.
Ark Legal Fund gives injured Texans cash against a pending injury claim, so you can cover rent, groceries, and the car note while your attorney fights for full value. You repay only from your settlement.
- No monthly payments
- No credit check
- Simple interest, never compounded
- Owe nothing if there's no recovery
Why people call us
An injury hits your budget long before it hits a settlement.
Insurance companies know money gets tight while you heal. The longer you wait, the more tempting a low offer looks. That pressure is how good cases settle for less than they're worth.
A lawsuit cash advance takes that pressure off, so the decision to settle is based on what your case is worth, not on what's due Friday.
- Rent and mortgageLandlords and lenders don't pause for a pending claim.
- Lost paychecksTime off work adds up fast, especially if you can't go back yet.
- A wrecked carYou still need a way to get to the doctor and back to work.
- Everyday billsGroceries, utilities, phone, childcare. Life keeps going.
How pre-settlement funding works
Three steps. No bank in the middle.
Ark is a private fund. We review your case with your attorney and send money from our own account to yours.
Apply in about five minutes
Tell us about your accident, your attorney, and how much you need. It's free and doesn't affect your credit.
We talk with your attorney
We review the facts, injuries, and insurance with your lawyer, then send you a plain-English contract with the full payoff spelled out.
Get your money
Sign, and we send funds by direct deposit or wire. When your case resolves, your attorney repays us from the settlement.
Pre-settlement funding calculator
Know your payoff before you sign.
Move the sliders to see what you'd repay with simple interest, and how much more a compounding contract would cost at the same rate.
Example rate: 2.99% per month, simple interest. Your actual rate and payoff schedule depend on your case and are stated in writing in your contract before you sign. This calculator is an illustration, not an offer of funding.
A compounding contract at the same rate would cost $16,995. Simple interest saves you $1,613.
Simple interest (what we use)
The charge is figured only on the amount you received. A month costs the same in year two as it did in month one.
Compound interest (what we avoid)
The charge is figured on the amount plus earlier charges, so it snowballs. The longer a case runs, the faster the balance grows.
Why Ark
Funding from people who've sat across the table.
Too many injured people take low offers just to keep the lights on. Every term at Ark exists to stop that from happening.
A contract you can read
Your payoff at every month is printed in a table on the first page. No processing fees buried in the fine print.
Simple interest only
We never compound. On long cases, that can mean thousands more dollars staying in your pocket.
Non-recourse funding
If your case ends without a recovery, you owe nothing. Your credit, paycheck, and property are never on the line.
Privately funded
No bank, broker, or middleman. The people who approve your file are the people who send your money.
A real person, by name
You get one contact who answers your questions in plain English. In Spanish too.
Lawsuit filed or not
Many claims settle with the insurance company before a suit is ever filed. If you have an attorney and a pending claim, you can apply.
Our commitment
Your case stays your case.
We've seen what a few months of missed paychecks does to a family, and to a case. Ark is built to give you breathing room without taking control.
- You don't have to hire any particular law firm to apply.
- Your own attorney stays in charge of your case.
- We never tell anyone when, or for how much, to settle.
“The worst reason to accept a settlement is that you can't afford to wait. Ark exists so you never have to.”
Who qualifies
Personal injury cases we fund in Texas
If someone else caused your injury and an attorney is handling your claim, there's a good chance we can help.
- Car accidents
- 18-wheeler & truck wrecks
- Company vehicle crashes
- Uber & Lyft accidents
- Motorcycle accidents
- Pedestrian & bicycle
- Workplace & non-subscriber
- Premises / slip and fall
- Dog bites
- Wrongful death
- Product liability
- Other injury claims
You're a good fit if
- You were hurt and someone else is at fault
- An attorney represents you on the claim
- Your claim is pending, filed in court or not
- You need help with living expenses while you wait
What we don't need
- A credit check or minimum credit score
- Proof of employment or income
- Collateral, a co-signer, or bank history
- Any upfront payment or application fee
Pre-settlement funding, explained
What is pre-settlement funding?
Pre-settlement funding, sometimes called a lawsuit loan, lawsuit cash advance, or settlement advance, is money paid to an injured person before their personal injury claim resolves. It is non-recourse: you repay it only out of your settlement or court award. If the claim ends with no recovery, you owe nothing.
Because repayment depends on the case and not on you, there's no credit check, no income verification, and no monthly bill. Most people use the money for rent or mortgage payments, car payments, utilities, groceries, and other everyday costs while they recover.
How much does pre-settlement funding cost?
Cost depends on two things: the rate and how it's calculated. Many companies compound their charges monthly, which makes long cases expensive. Ark uses simple interest only, so the charge is figured on the amount you received and never on earlier charges. Use the funding calculator above to compare.
How much can I get?
Advances are usually a modest share of what a case is realistically expected to recover, so most of the settlement stays with you. Ark funds from $500 to $50,000, based on your injuries, the insurance available, and the stage of your claim.
Funding injured people across Texas
We work with clients and attorneys throughout the state, including:
- San Antonio
- Houston
- Dallas
- Austin
- Fort Worth
- El Paso
- Corpus Christi
- Arlington
- Laredo
- Lubbock
- McAllen
- New Braunfels
- San Marcos
- Killeen
For attorneys
Funding that keeps your file clean.
We know what the wrong funding company can do to a case. Ark is built to protect your case and your client relationship.
- 1One short call or emailWe ask only what we need: liability, injuries, treatment, and coverage.
- 2Simple-interest contractsA payoff table you can explain to your client in one sentence.
- 3No interferenceWe never contact the defense, the carrier, or push a settlement number.
- 4Easy payoffRequest a written payoff any time. Repayment comes out of the settlement disbursement.
Common questions
Pre-settlement funding FAQ
Is pre-settlement funding a loan?
No. It's a non-recourse advance against your future recovery. Unlike a loan, you make no monthly payments and you owe nothing if your case ends without a recovery. Repayment comes only from your settlement or judgment.
What happens if I lose my case?
You owe us nothing. That risk is ours, not yours. The few exceptions, such as fraud, are written plainly in the contract.
Do I need to have filed a lawsuit to get funding?
No. Many injury claims settle directly with the insurance company. If you have an attorney and your claim is pending, you can apply whether or not a lawsuit has been filed.
How much pre-settlement funding can I get?
Between $500 and $50,000, depending on your injuries, the insurance available, and the stage of your case. We keep amounts conservative so most of your settlement stays yours.
Do you check my credit or employment?
No. We look at your case, not your credit score or job history. Applying doesn't affect your credit.
How fast can I get the money?
Once your attorney sends what we need and you sign, we send funds by direct deposit or wire, often within one to two business days.
How is the cost calculated?
Ark uses simple interest. The charge is based only on the amount you received, never on earlier charges, and your contract shows the exact payoff for every month before you sign.
Will funding affect my case?
No. Your attorney keeps full control. We don't contact the other side, and we never pressure you on when or for how much to settle.
Do I have to use a particular lawyer?
No. Ark works with clients of any licensed attorney. Applying for funding has no effect on who represents you.
Can I get funding if I don't have a lawyer yet?
You need an attorney on your claim before we can fund it, because we review the case with them. You can still apply now and add your attorney's details once you've hired one.
Apply for pre-settlement funding
Find out what you qualify for.
Free to apply. No credit check. No obligation to accept an offer.
- Send this short formAbout five minutes.
- We contact your attorneyLet them know Ark may call. We'll take it from there.
- Review your contractYour full payoff, in writing, before you sign anything.
Almost done.
Your email app should open with your application filled in. Press send and we'll be in touch within one business day. If nothing opened, email us at apply@arklegalfund.com.